Your client Dan called you because he had heard about a life insurance policy, called a hybrid policy, that could be used to pay for longterm care. Which of the following is true about a hybrid policy? Group of answer choices A hybrid policy typically cheaper than an individual longterm care policy. Dan can do a 1035 taxfree exchange from his life insurance policy into one of these policies for both he and his wife. A hybrid policy pays benefits from the death benefit. A hybrid policy pays benefits from the cash value